Business Banker III

Job Description

Job Description

Position Summary:

As a Business Banker, you will be responsible for soliciting, developing, and managing profitable financial relationships with complex business and professional customers. This role includes originating and structuring loans with minimal supervision, while thoughtfully managing risk before and after the extension of credit.

ou will serve as a relationship manager, partnering with teams across the Bank to deliver solutions that meet customer needs and support long-term success. This position requires a high level of self-motivation, sound judgment, and the ability to make independent decisions, while consistently looking for opportunities to add value beyond customers’ immediate needs.

In addition, our FIRST Values apply to all teammates without exception.

FIRST Values

• Family – We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation – We embrace change as vital to our success.
• Relationships – We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship – We take care of ourselves so we can take care of others.
• Teamwork – We help each other grow and succeed.

Who we are:

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us – it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

What will you do:

Accountabilities

Portfolio Growth

Acquire and grow both new and existing customers' loan and deposit relationships.

• Strategize with Team Leader & others on strategic selling campaigns, behaviors, and prospecting efforts; outbound sales efforts are strategically planned and executed to help ensure meaningful growth.
• Engagement in current and future sales campaigns with documented out-bound calling efforts.
• Growth opportunities are well documented in Salesforce to provide measurable reports for Management.
• Inter-Bank referrals are consistently sought, executed upon and documented in Salesforce.
• Develop and maintain an active list of Banking prospects. Plan, prepare & execute on appropriate next steps to position yourself for increased business opportunities. Seek appropriate business partners to maximize effectiveness of calling efforts.
• Review current relationships for cross-selling opportunities within and beyond Business Banking.

Portfolio Management

Provide excellent relationship service to current relationships within your portfolio.

• Convey sound financial advice and summary on financial performance for current customers based on experiences, education, and industry knowledge.
• Act as a servant for current customers to ensure they are receiving superior customer service on all financial products and services provided by Bank.

Credit Administration

Display true ownership of portfolio quality measured by proper compliance with Bank’s Loan Policy & Guidelines.

• Maintain tickler exceptions at <15% with minimal and appropriate extension requests.
• Credit file deviations are kept to a minimum.
• Construction projects are administered and monitored appropriately to ensure project risk is sufficiently mitigated. Customer Financial Statements are thoroughly reviewed to ensure proper Risk Ratings are maintained.
• Findings by Credit Review are resolved or addressed without oversight from Management.
• Loan Covenants are appropriately monitored.

Community Visibility & Involvement

Represent Bank at appropriate business community events to engage with current & prospective business customers & business leaders.

• Develop and maintain strategic engagement in the local business community to create and develop professional relationships.
• Maintain consistent attendance at community business events to represent FNBSF in a positive manner.

Qualifications

Secondary education in related field preferred. Five or more years of relevant work experience or a combination of education/experience that would enable incumbent to meet accountabilities and required competencies of the position. Minimum of six years of business lending experience with major credits preferred. Additional continuing education course, advanced degree, and/or banking school experience desired.

Skills and Abilities

• Ability to work independently with little supervision. Goal-oriented and self-motivated.
• Excellent verbal and written communication skills. Strong listening and negotiation skills.
• Ability to conduct relationships in a manner that ensures cooperation and positive results.
• Demonstrate a high degree of concern for professional and innovative customer service.
• Demonstrate strong problem-solving, decision making, analytical, and critical thinking skills.
• Ability to manage multiple competing priorities.
• Possess working knowledge of commercial banking and economics.
• Strong command of profitability and pricing.
• Ability to adapt to the needs of the organization and teammates.

What’s in it for you?

• Health Insurance
• Dental & Vision Insurance
• Profit Sharing
• Paid Vacation & Holidays
• Company paid short and long term disability
• Tuition Reimbursement Program
• Employee Banking Perks
• Community Volunteer time
• And More!